WO2010009059A3 - Systèmes et procédés de transfert de valeur - Google Patents

Systèmes et procédés de transfert de valeur Download PDF

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Publication number
WO2010009059A3
WO2010009059A3 PCT/US2009/050431 US2009050431W WO2010009059A3 WO 2010009059 A3 WO2010009059 A3 WO 2010009059A3 US 2009050431 W US2009050431 W US 2009050431W WO 2010009059 A3 WO2010009059 A3 WO 2010009059A3
Authority
WO
WIPO (PCT)
Prior art keywords
user
specified value
trusted authority
account
value
Prior art date
Application number
PCT/US2009/050431
Other languages
English (en)
Other versions
WO2010009059A2 (fr
Inventor
Ian Edward James
Original Assignee
Opencuro Corporation
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Opencuro Corporation filed Critical Opencuro Corporation
Priority to EP09798617.8A priority Critical patent/EP2335213A4/fr
Priority to AU2009271102A priority patent/AU2009271102B2/en
Priority to JP2011518822A priority patent/JP5628166B2/ja
Priority to CA2730138A priority patent/CA2730138A1/fr
Priority to BRPI0915492A priority patent/BRPI0915492A2/pt
Priority to CN2009801269296A priority patent/CN102089781A/zh
Priority to MX2011000653A priority patent/MX2011000653A/es
Publication of WO2010009059A2 publication Critical patent/WO2010009059A2/fr
Publication of WO2010009059A3 publication Critical patent/WO2010009059A3/fr

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/383—Anonymous user system
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Marketing (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention concerne des systèmes et des procédés destinés à transférer de la valeur d’un premier utilisateur à un deuxième utilisateur à l’aide de codes sensiblement aléatoires qui sont associés aux valeurs à transférer. Une autorité de confiance permet aux utilisateurs de créer des comptes d’utilisateurs utilisés pour conserver de la valeur. Un premier utilisateur peut demander un code de paiement, qui est associé à une valeur spécifiée et peut être communiqué à un deuxième utilisateur, lequel peut soumettre le code de paiement à l’autorité de confiance. Si le code de paiement est valide, l’autorité de confiance débite la valeur spécifiée du compte du premier utilisateur et crédite la valeur spécifiée au compte du deuxième utilisateur. En variante, le deuxième utilisateur peut demander un code de facture, qui est associé à une valeur spécifiée et peut être communiqué au premier utilisateur, lequel peut soumettre le code de facture à l’autorité de confiance. Si le code de facture est valide, l’autorité de confiance débite la valeur spécifiée du compte du premier utilisateur et crédite la valeur spécifiée au compte du deuxième utilisateur.
PCT/US2009/050431 2008-07-17 2009-07-13 Systèmes et procédés de transfert de valeur WO2010009059A2 (fr)

Priority Applications (7)

Application Number Priority Date Filing Date Title
EP09798617.8A EP2335213A4 (fr) 2008-07-17 2009-07-13 Systèmes et procédés de transfert de valeur
AU2009271102A AU2009271102B2 (en) 2008-07-17 2009-07-13 Systems and methods for transferring value
JP2011518822A JP5628166B2 (ja) 2008-07-17 2009-07-13 価値を移転するためのシステムおよび方法
CA2730138A CA2730138A1 (fr) 2008-07-17 2009-07-13 Systemes et procedes de transfert de valeur
BRPI0915492A BRPI0915492A2 (pt) 2008-07-17 2009-07-13 sistemas e métodos para transferir valores
CN2009801269296A CN102089781A (zh) 2008-07-17 2009-07-13 用于转移价值的系统及方法
MX2011000653A MX2011000653A (es) 2008-07-17 2009-07-13 Sistemas y metodos para transferir valor.

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US12/175,195 US20100017413A1 (en) 2008-07-17 2008-07-17 Systems and methods for transferring value
US12/175,195 2008-07-17

Publications (2)

Publication Number Publication Date
WO2010009059A2 WO2010009059A2 (fr) 2010-01-21
WO2010009059A3 true WO2010009059A3 (fr) 2010-04-15

Family

ID=41531199

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2009/050431 WO2010009059A2 (fr) 2008-07-17 2009-07-13 Systèmes et procédés de transfert de valeur

Country Status (12)

Country Link
US (4) US20100017413A1 (fr)
EP (1) EP2335213A4 (fr)
JP (2) JP5628166B2 (fr)
KR (1) KR20110053219A (fr)
CN (1) CN102089781A (fr)
AR (1) AR072514A1 (fr)
AU (1) AU2009271102B2 (fr)
BR (1) BRPI0915492A2 (fr)
CA (1) CA2730138A1 (fr)
MX (1) MX2011000653A (fr)
TW (1) TW201009733A (fr)
WO (1) WO2010009059A2 (fr)

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US10990935B1 (en) * 2016-04-28 2021-04-27 Wells Fargo Bank, N.A. Transferring funds between two parties
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US10341322B1 (en) 2017-05-31 2019-07-02 Go Daddy Operating Company, LLC On demand multifactor authentication
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Also Published As

Publication number Publication date
AR072514A1 (es) 2010-09-01
US20140081868A1 (en) 2014-03-20
KR20110053219A (ko) 2011-05-19
US20140081851A1 (en) 2014-03-20
US20140081867A1 (en) 2014-03-20
CN102089781A (zh) 2011-06-08
JP2015038754A (ja) 2015-02-26
JP5628166B2 (ja) 2014-11-19
WO2010009059A2 (fr) 2010-01-21
TW201009733A (en) 2010-03-01
US20100017413A1 (en) 2010-01-21
MX2011000653A (es) 2011-05-23
AU2009271102A1 (en) 2010-01-21
CA2730138A1 (fr) 2010-01-21
JP2011528473A (ja) 2011-11-17
EP2335213A4 (fr) 2013-09-18
BRPI0915492A2 (pt) 2016-09-06
EP2335213A2 (fr) 2011-06-22
AU2009271102B2 (en) 2014-09-11

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